BlastPoint's Banking Scorecard
Black Mountain Savings Bank, SSB
Micro
Specialty: Mortgage
NC
FDIC cert 27897
Designations: ✓ Community bank ✓ Mutual
Black Mountain, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
Black Mountain Savings Bank, SSB has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.24% below tier
- - Net Interest Margin 1.89% below tier
- - Efficiency Ratio 38.99% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.4M
-3.3% YoY
+0.0% QoQ
|
-$175.1M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$27.5M
-3.8% YoY
-0.8% QoQ
|
-$111.7M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$36.6M
-3.0% YoY
+0.7% QoQ
|
-$147.1M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
-0.15%
+56.1% YoY
+61.5% QoQ
|
-1.24% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
1.96%
+6.5% YoY
-1.3% QoQ
|
-1.89% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
106.71%
-14.0% YoY
-10.9% QoQ
|
+38.99% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
75.22%
-0.8% YoY
-1.5% QoQ
|
+0.69% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.37%
+360.8% YoY
+608.9% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (4)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.15%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
1.96%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
106.71%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.22% · Tier avg: 74.53%
10
10th pctile
Total Loans
Current: $27.5M · Tier avg: $139.2M
6
6th pctile
Total Deposits
Current: $36.6M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $42.4M · Tier avg: $217.5M
5
5th pctile
Return on Assets
Current: -0.15% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 106.71% · Tier avg: 67.73%
2
2th pctile
Net Interest Margin
Current: 1.96% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
2
2th pctile
Net Interest Margin
Current: 1.96% · Tier avg: 3.85%
3
3th pctile
Efficiency Ratio
Current: 106.71% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.15% · Tier avg: 1.08%
5
5th pctile
Total Assets
Current: $42.4M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $36.6M · Tier avg: $183.7M
10
10th pctile
Total Loans
Current: $27.5M · Tier avg: $139.2M
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.22% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%